| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | -$2 | — | -$2 | -0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS' SERVICE | $99 | $355 | $454 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI CALIFORNIA INS SVCS LLC | 630 W GERMANTOWN PIKE STE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS' SERVICE | — | $284 | $284 | 0.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.39% |
| WILLISTOWERS WATSON INS SVCS W INC3 | 245 CALIFORNIA STREET STE 2000 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $512 | $512 | 1.41% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 688 | $9.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,728 | $778K |
| Vision | VISION SERVICE PLAN | 765 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,224 | $232K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,188 | $36K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 533 | $3.8M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 1,224 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,728 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.